These are the littlebear1 LTD (trading as KT-Marketing) - company number:
8126923, (platform) terms and conditions of use. These are the terms and
conditions (Terms) which govern your use of the website platform or any of the
“Littlebear1 Ltd” branded micro sites (Site). These Terms apply regardless of
whatever user device you are using and any other technology whether now known
or developed in the future.

You will be deemed to have agreed to be bound by these Terms when you use,
access or browse the platform, register your details with us or subscribe for
email or online services or send us an email.

For the purposes of these Terms: “Content” includes all or part of any text,
graphics, layout, logos, images, audio material, films or other moving images,
product details and/or software published or otherwise available on the
Platform from time to time (including, anything made available for download);
“including” and its derivations mean “including, without limitation”; “material”
includes all or part of any text, graphics, layout, logos, images, audio
material, films or other moving images; and “Trade Marks” means the trade
marks, logos and service marks (whether or not registered) displayed on the
Platform.

We may change these Terms from time to time. Please check these Terms regularly
as any changes are effective immediately upon posting to the Platform. Your
continued use of the Platform after posting will be deemed acceptance of the
changes.

We are in no way partnered with, sponsored by or endorsed by any of the brands
featured or any of the listed products or retailers shown on this site.
Trademarks, service marks, logos, and/or domain names (including, without
limitation, the individual names of products and retailers) are the property of
their respective owners. You must be at least 18 years of age or older to
enter. All investments carry an element of risk, which may stem from their
illiquidity, leverage, investment horizon and general risks associated with
investments. Please read the Terms carefully which may be subject to change
without notice.

By accessing any page of this Website, you agree to be bound by the Terms
below. If you do not agree to the Terms below, please exit the Website. This
page is designed to filter out unsuitable categories of investor from accessing
the site and as such we cannot be responsible for any misrepresentations you
may make in gaining unauthorised access to the site. These Terms may be amended
without notice to you. Your continued use of the Website following any changes
will mean that you accept such changes. Regulatory Disclosures The Content of
this promotion has not been approved by an authorised person within the meaning
of the Financial Services and Markets Act 2000. Reliance on this promotion for
the purpose of engaging in any investment activity may expose an individual to
a significant risk of losing all of the property or other assets invested.

Data Protection: On completion of the Registration form for our Investor Area,
the information you provide will be stored electronically. This information
will not be used for marketing purposes and will not be shared with any third
parties other than the investment companies you express interest in. Content of
Web Site: By proceeding you agree, so far as this is permitted under the
provisions of the UK regulatory system, to the exclusion by us of any
liability, including without limitation that arising from any loss of profit or
any other damage direct or consequential, in respect of any errors and/or
omissions by us and/or any relevant third parties in respect of the content.
This paragraph will not exclude any liability for, or remedy in respect of,
fraudulent misrepresentation.

This website is published solely for informational purposes and has no regard
to specific investment objectives, financial situation or particular needs of
any person. Any opinions or estimates included herein constitute a judgment as
of the date of publication and are subject to change without notice. Similarly,
any documents or other information included or posted on this website are
subject to change, replacement or withdrawal without notice. It is the
responsibility of users of this website to ensure they are aware of the current
documentation and information published on this website from time to time.

No reliance may be placed for any purpose on the information and opinions
contained in this website or their accuracy or completeness and no
representation, warranty or undertaking, express or implied, is given as to the
accuracy or completeness of the information or opinions contained in this
website. Restriction On Financial Promotions Section 21 of FSMA provides that a
person must not, in the course of business, communicate an invitation or
inducement to engage in an investment activity unless that person is authorised
or the content of the communication have been approved by an authorised person.
An authorised person is a person who has been authorised by the FCA to carry on
regulated activities in the UK. “Engage in investment activity” includes a wide
range of “controlled” activities carried on in relation to “controlled
investments”. Controlled activities and controlled investments are set out in
the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005
(“FPO”) and relevantly includes that of selling bonds as principle.

The content of this website is exempt from the general restriction (in section
21 of FSMA) on the communication of invitations or inducements to engage in
investment activity on the ground that it is only being made and provided to
relevant persons (as defined below) with sufficient experience and
understanding of the risks involved.

We are operated by or on behalf of Littlebear1 Ltd(“we” or “our”) located at 1
Fore Street, London, United Kingdom. EC2Y 9DT.

Access to our services and to some areas of the Platform is restricted to users
and companies who have registered their details with us. You must not use a
false name or email or provide any false information nor impersonate another
person or company when registering for use of the Platform and our email
services. If you have a password for registration, you shall not share or
disclose it to any third party, nor allow any third party to use your password
to gain access to the areas and services for registered users. We may refuse or
remove or suspend your registration at any time.

We are the owner or the licensee of all intellectual property rights of the
Platform, the Content and the Trade Marks. Subject to these Terms, we grant you
a limited, temporary, revocable, and non-exclusive licence to access, browse
and use the Platform (including the Content and Trade Marks).

You may use the Platform only for the business to business services we provide.
You may only download and print extracts of the Content where we have provided
download access and use.

You may not:

(1) download or print any Content or extracts in a systematic or regular manner
or otherwise so as to create an unapproved or illegal database in electronic or
paper form comprising all or part of the Content from the Platform; nor
(2) reproduce, republish, modify, archive, distribute, store, archive or
commercially exploit the Content without our prior written consent; nor
(3) modify or adapt or create derivative works of the Content; nor
(4) utilise links to this website received as part of a paid-for media
monitoring service; nor
(5) systematically forward links to this website within a business or outside a
business for business purposes; nor
(6) copy or extract data from this website by means of robots, spiders,
crawlers or other automatic devices or by any manual process used to
systematically extract or copy web content.

Any such use of this website or the content is prohibited without an
appropriate licence.

At all times when you are accessing, browsing or using or registering for use
of the Platform, you must do so lawfully and legitimately and without
infringing or restricting anyone else’s rights or use and enjoyment of the
Platform. In particular, you must not use the Platform in a manner or upload
any material or link to any material which is false, fraudulent, inaccurate or
misleading, obscene, offensive, defamatory, abusive or in breach of any third
party rights (including intellectual property right).

At any time without notice and in our absolute discretion, we may permanently
or temporarily terminate, suspend or deny your access to the Platform. At any
time without notice and in our absolute discretion, we may remove or edit any
Content on the Platform. To the fullest extent permitted by law no one from
Littlebear1 Ltd, including its partners, employees or other representatives
have any liability to you whatsoever for any loss or damage arising from such
removal or editing or any restriction or hindrance to your use of the Platform,
email services or password.

We accept no liability for any content submitted by you or other users and
third parties. We do not vet or pre-screen any material that you or other users
and third parties have submitted to the Platform, however we reserve the right
to remove, at any time and without reason or prior notice or any liability any
material submitted by you or other users and third parties.

The Site may contain hypertext links to third party websites. We are not
responsible for, nor do we endorse in any way such third-party websites or
their content. If you decide to access any of the third-party websites linked
to the Platform, you do so entirely at your own risk.

All information and/or data on the Platform is provided on an “as is” basis.
Save to the extent required by law, no representations, warranties or terms of
any kind are made (or shall be implied by statute or otherwise) in respect of
the Platform or the Content, including, without limitation, warranties of
satisfactory quality, conformity to contract, accuracy, adequacy, conformity to
description or fitness for any particular purpose.

Neither Littlebear1 Ltd nor any of its data providers or affiliates gives any
warranty or guarantee relating to availability of the Platform or that the
Platform and/or our operation of it, the Content or the server that makes the
Platform available are error or virus free or free of other harmful components
or that your use of the Platform and/or the Content will be uninterrupted.

You agree that Littlebear1 Ltd its partners, employees, agents or other
representatives, data providers or affiliates will not be responsible or liable
(whether in contract, tort or otherwise), under any circumstances for any
amount or kind of loss or damage (including without limitation, any direct,
indirect, punitive or consequential loss or damages, or any anticipated loss of
profit, loss of profit, loss of opportunity, loss of data, costs and fines
and/or any special or incidental damages of any kind) that may result to you or
a third party arising from or connected in any way to:

(1) interruption of business; or
(2) access or other delays, terminations, suspensions, denials or access
interruptions to the Platform; or
(3) data non-delivery, data mis delivery, data corruption, destruction of data
or other modification of data; or
(4) third party website links on the Platform; or
(5) reliance on the information contained on the Platform; or
(6) computer viruses, system failures or malfunctions which may occur in
connection with your use of the Platform; or
(7) any inaccuracies, omissions or misleading, false or deceptive statement in
the Content; or
(8) events beyond our reasonable control.

Notwithstanding any provision of these Terms, Littlebear1 Ltd does not exclude
or limit its liability for:

(1) death or personal injury caused by its negligence or that of any of its
officers, employees or agents; or
(2) fraudulent misrepresentation; or
(3) any liability which it is not lawful to exclude either now or in the
future.

Indemnity
You will indemnify and will keep indemnified Littlebear1 Ltd and its data
providers and affiliates on demand against all claims, costs, proceedings,
demands, losses, damages, expenses (including legal expenses) or liability
whatsoever arising directly or indirectly as a result of:

(1) any breach of these Terms by you; or
(2) your fault, negligence or breach of statutory duty; or
(3) your use of software robots, spiders, crawlers, or similar data gathering
and extraction tools, or any other action you take that imposes an unreasonable
burden or load on our infrastructure (whether owned by, leased or licensed to
us) or that of any of our Suppliers.

Any contractual or legal relationship between you and Littlebear1 Ltd will be
concluded in English. All notices shall be given by e-mail to us via the
contact page or, to you at either the e-mail or postal address you provide
during the registration process (if any). Notice will be deemed received 24
hours after e-mail is sent or 3 days after the date of posting.

These Terms (together with any variations to them pursuant to section 2) form
the entire agreement between the parties concerning your access to, browsing
and/or use of the Platform and supersede all prior agreements, arrangements,
understandings and representations made between us (whether written or oral)
concerning the Platform.

The licence granted personal to you and may not be assigned, transferred or
sub-licensed (in whole or in part) without our prior written consent.

Nothing in these Terms is intended to or shall operate to create a partnership
or joint venture of any kind between us or to authorise either of us to act as
agent for the other, and neither of us shall have authority to act in the name
or on behalf of or otherwise to bind the other in any way (including but not
limited to the making of any representation or warranty, the assumption of any
obligation or liability and the exercise of any right or power).

If the whole or any part of any provision of these Terms is or becomes invalid,
void or unenforceable for any reason the same shall to the extent required be
severed from these Terms and rendered ineffective so far as is possible without
modifying the remaining provisions of these Terms and shall in no way affect
the validity or enforceability of any other provisions.

No waiver by Littlebear1 Ltd of any breach of these Terms shall constitute a
waiver of any other prior or subsequent breach and Littlebear1 Ltd shall not be
affected by any delay, failure or omission to enforce or express forbearance
granted in respect of any of your obligations.

The rights and remedies of Littlebear1 Ltd under these Terms are independent,
cumulative and without prejudice to its rights under the law.